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Privacy Policy

Effective date: June 2026
Applies to: Savology.com and all associated subdomains

Savology, Inc. and its affiliated companies (“Savology,” “us,” “we,” or “our”) operate the Savology.com website and associated web application (collectively, the “Service”).

This page describes our policies regarding the collection, use, and disclosure of personal data when you use the Service and the choices you have associated with that data. By using the Service, you agree to the collection and use of information in accordance with this policy.

Who This Policy Covers

This policy covers four categories of individuals. Where practices differ by category, this policy calls that out clearly:

Advisor Subscription Users

Licensed financial advisors, financial coaches, and financial planning professionals accessing Savology through a paid subscription. Their account and professional data is used to provide and maintain platform access and is not shared with matching marketplaces or consumer-facing partners.

Employer-Channel Users

Access Savology through an employer-sponsored benefit program. Their financial data is subject to a strict firewall and is never entered into the consumer advisor-sponsored acquisition funnel without explicit separate opt-in.

Consumer Users

Consumer Users are connected with licensed financial advisors, financial coaches, and financial professionals through Savology’s Advisor and Coach Matching Program, and are offered optional paid platform upgrades and consumer-facing products from Savology’s affiliate partner providers, including term life insurance, disability income insurance, estate planning services, and other financial products.

Sponsored Consumer Users

Prospective consumers who enter the Savology platform through a paid advertising campaign, a social media post, or a funnel page funded by a specific Advisor Sponsored Client. They receive the standard Savology experience and are subject to the same data practices as Consumer Users, with the additional matching priority described in the Sponsored Consumer Users section below.

Definitions

Personal Data

Data about a living individual who can be identified from that data or from that data combined with other information in our possession.

Non-Personal Information

Information about you or your household that does not identify you personally, or that has been aggregated or de-identified.

Financial Plan Data

Income, savings rate, debt levels, insurance coverage, retirement goals, investable assets, and other information you enter as part of completing a financial plan or report card.

Usage Data

Data collected automatically from your use of the Service, IP address, browser type, pages visited, time and date of visit, time spent, and device identifiers.

Consumer User

A user who has created a Savology account directly, through our website, a marketing campaign, or a landing page, outside of an employer benefit program or an advisor subscription.

Advisor Subscription User

A licensed financial advisor, financial coach, or financial planning professional who accesses Savology through a paid subscription.

Employer-Channel User

A user who created a Savology account through or in connection with an employer-sponsored benefit programm.

Match Threshold

The point at which a prospective user becomes eligible for connection with a financial advisor or coach through Savology’s Advisor and Coach Matching Program. The Match Threshold is met when a user creates a Savology account or completes a full financial survey or report card.

Sponsored Consumer User

A prospective consumer who enters the Savology platform through a funnel page funded by an Advisor Sponsored Client. Sponsored Consumer Users are subject to the same terms as Consumer Users, with the additional disclosures and matching priority described in the Sponsored Consumer Users section below.

Advisor Sponsored Client

A licensed financial services professional or firm — including financial advisors, estate planning attorneys, insurance agents, and others — that engages Savology to operate a advisor-sponsored acquisition funnel using the client’s own advertising budget. Matches generated through that funnel are offered to the Advisor Sponsored Client on an exclusive basis before any remainder may be sold to other financial professionals or placed on a matching marketplace.

Upstream Landing Pages

Savology operates landing pages and survey pages at domains other than savology.com as part of its advisor-sponsored acquisition funnel. These pages have their own short-form Privacy Notice that governs data collection at the upstream page level. This Privacy Policy does not govern data collected on upstream pages prior to account creation.

When a visitor creates a Savology account or completes a full financial survey or report card through an upstream page, they become a Consumer User and this Privacy Policy applies to their information from that point forward.

Information We Collect

Personal Data

May include: email address, first and last name, phone number, address, state, ZIP code, and cookies and usage data.

Non-Personal Information

May include: household income, gender, interests, financial goals, and financial estimates.

Financial Plan Data

May include: income, savings rate, debt, insurance coverage, retirement goals, investable assets, and other information you enter as part of your financial plan or report card.

Usage Data

May include: IP address, browser type and version, pages visited, time and date of visit, time spent on pages, and unique device identifiers.

Credit Data

If you enroll in optional credit monitoring, additional data may be collected including mailing address, date of birth, driver’s license number, or Social Security number for identity verification.

Advisor Professional Data

(Advisor Subscription Users only): Professional license information, firm name, service areas, client management data, and subscription and billing information.

How We Use Your Information

Savology, Inc. uses the collected data for various purposes:

  • Provide, maintain, and improve the Service
  • Deliver your financial plan, report card, and action items
  • For Consumer Users: connect you with licensed financial advisors, financial coaches, and financial professionals through our Advisor and Coach Matching Program
  • For Advisor Subscription Users: provide platform tools, manage your subscription, and where separately agreed, deliver Consumer User matches to you
  • Send communications relevant to your user type or visitor status
  • Conduct market research, product development, and usage analysis
  • Facilitate affiliate relationships and process associated compensation
  • Detect, prevent, and address technical issues and fraud
  • Comply with legal obligations

Consumer User – Advisor and Coach Matching Program

This section applies to Consumer Users only. It does not apply to Employer-Channel Users unless they have separately and explicitly opted in, or to Advisor Subscription Users in their professional capacity.

Connecting Consumer Users with licensed financial advisors, financial coaches, and financial professionals is a core function of the Service. Savology operates an Advisor and Coach Matching Program through which Consumer Users who complete a financial plan or report card may be connected with financial advisors, financial coaches, or financial professionals.

Important: Licensed financial advisors connected through the Service are registered investment advisors or broker-dealers subject to applicable securities laws and regulations. Financial coaches connected through the Service are not licensed financial advisors and do not provide regulated investment advice, securities recommendations, or personalized investment management. The nature of guidance you may receive differs materially depending on whether you are connected with a licensed advisor or a financial coach.

By creating an account and completing a financial survey, report card, or financial plan as a Consumer User, you expressly consent to:

  • Savology sharing your financial plan data, financial profile, and contact information — including name, email address, and phone number if provided — with licensed financial advisors, financial coaches, financial planning firms, and matching marketplace partners, for the purpose of connecting you with personalized financial guidance
  • Being contacted by one or more financial advisors, financial coaches, or financial professionals by phone, email, or text message
  • This contact occurring even if your number is listed on a federal or state Do Not Call registry, because you are providing express written consent to be contacted in connection with this Service
  • Your financial plan and profile being used to evaluate your suitability for connection with specific advisors or coaches

Savology receives compensation from financial professionals and matching marketplace partners when Consumer User matches are delivered and accepted. This compensation does not influence your report card grades, financial plan calculations, action items, or the matching process itself.

What We Share

Your name, email address, phone number (if provided), and financial data including income, assets, debt, goals, and retirement information. We may share a copy of your completed financial plan or report card.

Who We Share With

Licensed financial advisors, financial coaches, financial planning firms, and matching marketplace partners. Savology does not sell your information to unrelated data brokers or third parties whose services are unrelated to financial planning or coaching.

Exclusivity

Where possible, Savology aims to connect Consumer Users with a limited number of advisors or coaches rather than distributing your information broadly. Savology does not guarantee exclusivity in all cases.

Revoking Consent

You may revoke consent at any time by contacting support@savology.com or by requesting deletion of your account. Revocation does not affect sharing that occurred prior to your request or information already received by a financial advisor, financial coach, or matching marketplace partner.

SaaS Upgrades and Partner Products

In addition to the free report card and financial plan, Consumer Users are offered optional paid platform upgrades (Essentials, Elite, and Expert tiers) as well as products and services from Savology’s affiliate partner providers. These may include term life insurance, disability income insurance, estate planning services, health savings accounts, health insurance, homeowners insurance, and other financial products. Savology may receive compensation when Consumer Users engage with or purchase these products. Affiliate compensation arrangements do not influence your report card grades, financial plan calculations, or action items.

Sponsored Consumer Users

This section applies to consumers who enter the Savology platform through a funnel page funded by an Advisor Sponsored Client — a licensed financial advisor or advisory firm that has engaged Savology to operate a advisor-sponsored acquisition funnel using the advisor’s own advertising budget. Sponsored Consumer Users receive the standard Savology experience and are subject to the same terms as Consumer Users, with the following additional disclosures.

Exclusive First Right of Match

Matches generated through an Advisor Sponsored Client’s funded funnel are offered to that advisor or firm on an exclusive basis. The sponsoring advisor reviews each match and determines whether to accept it. Savology does not transmit the match to any other party during this review period.

Advisor Pass and Secondary Distribution

If the Advisor Sponsored Client declines a match, that match may be sold to other financial professionals or placed on a matching marketplace. The consumer’s consent to Savology’s standard Advisor and Coach Matching Program covers this secondary distribution.

Same Data Practices

The data Savology collects from Sponsored Consumer Users, and the way Savology uses and protects that data, is identical to its practices for standard Consumer Users as described in this policy.

Advisor Subscription Users – Data Practices

  • Advisor account data, usage data, and professional information is used solely to provide and maintain their subscription access
  • Advisor Subscription User data is not shared with consumer-facing matching marketplaces or third-party consumer data partners
  • Where an Advisor Subscription User has separately agreed to receive Consumer User matches through Savology’s matching delivery program, they receive Consumer User financial plan data under the terms of that separate agreement
  • Advisor Subscription Users who receive Consumer User data through a matching delivery program are responsible for their own compliance with applicable financial privacy laws including the Gramm-Leach-Bliley Act
  • Savology may share aggregated, anonymized usage data about Advisor Subscription User activity for product improvement purposes

Partner Products and Provider Configuration

Savology makes a catalog of affiliate partner products available within the platform — including term life insurance, disability income insurance, estate planning services, and other financial products — that Advisor Subscription Users may choose to offer to their clients. Advisors may select from Savology’s catalog, offer their own preferred providers, or a combination of both. When an advisor elects to use their own providers, those provider relationships are governed by the advisor’s own agreements. Savology is not a party to those arrangements, is not responsible for the data practices or conduct of advisor-substituted providers, and receives no compensation from them.

Employer-Channel Users: Data Firewall

If you accessed Savology through an employer benefit program, the following governs your data and takes precedence over the Consumer User sections above.

Your individual financial information is not shared with your employer. Savology shares only aggregated, non-personally identifiable utilization data with employers to confirm benefit usage rates. Your individual financial plan, financial details, and personal contact information are never disclosed to your employer.

You are not enrolled in Savology’s financial advisor or coach matching, or Advisor and Coach Matching Program, by default. Your information will not be shared with financial advisors, financial coaches, financial professionals, or advisor and coach matching partners without your separate, explicit opt-in consent provided from within your account settings. There is no action required on your part to opt out — non-enrollment is the baseline.

Savology maintains strict operational and technical separation between Employer-Channel User data and Consumer User data at all times.

Affiliate Relationships and Compensation

Savology maintains affiliate and revenue-sharing relationships with third-party partners across all user types. In some cases, Savology receives compensation when users interact with partner products or services through the Service.

For Consumer Users

Savology may receive compensation from matching marketplace partners when Consumer User matches are delivered to and purchased by financial professionals through those marketplaces. Savology may also receive referral fees or commissions when Consumer Users engage with or purchase products from affiliate partner providers — including term life insurance, disability income insurance, estate planning services, health savings accounts, health insurance, homeowners insurance, mortgage lenders, investment platforms, and other financial products — or when Consumer Users upgrade to a paid Savology subscription tier.

For Advisor Subscription Users

Savology receives subscription fees and, where applicable, matching delivery fees and Advisor Sponsored Client engagement fees. Savology may also receive compensation from third-party tools, integrations, or affiliate partner products made available to advisors through the platform. When advisors elect to surface their own provider relationships rather than Savology’s affiliate partners, Savology receives no compensation from those arrangements and is not responsible for the terms or data practices of those providers.

For Employer-Channel Users

Savology receives fees from employers for providing the benefit program. Savology may also receive compensation from affiliate partner providers when Employer-Channel Users engage with or purchase partner products through the Service. Savology does not receive matching program compensation in connection with Employer-Channel User data unless those users have separately opted in to the Consumer User Advisor and Coach Matching Program.

Across All User Types

Savology may receive compensation when users click affiliate links, complete applications with partner companies, or engage with sponsored content or recommendations within the Service. Affiliate compensation arrangements do not influence the financial plan calculations, report card grades, or action items generated for you, which are based solely on the information you provide and Savology’s methodology. Affiliate compensation arrangements also do not determine which licensed financial advisors are matched with Consumer Users; matching is based on user financial profile, geographic availability, and advisor capacity.

Data Sharing Generally

In addition to the user-type-specific sharing described above, your information may be shared in the following circumstances:

Service Providers

Third-party companies that help us operate the Service, including analytics, payment processing, email delivery, and technical infrastructure. These parties access your data only as necessary to perform services on our behalf.

API Partners

Non-Personal Information may be sent to partners via API to generate quotes, recommendations, or financial plan calculations.

Business Transactions

If Savology is involved in a merger, acquisition, or asset sale, your Personal Data may be transferred. We will provide notice before your data becomes subject to a different privacy policy.

Legal Requirements

We may disclose Personal Data if required by law or in response to valid requests by public authorities.

Aggregate and Anonymous Data

We may create aggregated, anonymized data from Personal Data by removing identifying information. We use this data to analyze usage patterns and consumer financial trends, to improve the Service, and to describe our services to current and prospective partners. This data does not identify you personally.

Behavioral Remarketing and Advertising

Savology uses remarketing services to serve ads to you on third-party websites after you have visited the Service. We and our vendors use cookies and pixels — including Facebook/Meta Pixel and Google Ads remarketing — to serve ads based on your past visits. You may opt out through those platforms’ respective ad settings.

Cookies

We use session cookies, preference cookies, and security cookies. You can instruct your browser to refuse cookies, though some portions of the Service may not function properly without them.

Analytics

We use Google Analytics to monitor and analyze use of the Service. You may opt out by installing the Google Analytics opt-out browser add-on. See Google’s Privacy Policy at policies.google.com/privacy.

Payments

We use Stripe for payment processing. We do not store or collect your payment card details directly. See Stripe’s Privacy Policy at stripe.com/us/privacy.

Data Security

We maintain physical, electronic, and procedural security measures to protect your personal information from unauthorized access, use, or disclosure. No method of transmission over the internet is 100% secure. Access to personal information is limited to staff on a need-to-know basis to serve you.

Data Retention

We retain your Personal Data for as long as necessary to provide the Service and fulfill the purposes described in this policy, or as required by law. You may request deletion of your account and data at any time.

Children’s Policy

The Service is intended for individuals 18 years of age and older. We do not knowingly collect personally identifiable information from minors. If we become aware that we have collected such data without parental consent, we will take steps to remove it immediately.

Do Not Track

We do not support Do Not Track signals. Consumer Users who provide contact information expressly consent to being contacted in connection with the Service as described above, notwithstanding any previously expressed Do Not Call or Do Not Email preferences.

California Residents

Savology does not currently meet the thresholds for mandatory compliance with the California Consumer Privacy Act (“CCPA”) or the California Privacy Rights Act (“CPRA”) — specifically, Savology does not have $25 million or more in annual gross revenue, does not annually buy, sell, or share the personal information of 100,000 or more California consumers or households, and does not derive 50% or more of its annual revenue from selling or sharing consumers’ personal information. As a result, the CCPA and CPRA do not currently apply to Savology.

Nevertheless, Savology voluntarily extends the following rights to California residents as a matter of policy:

  • The right to request access to the personal information we hold about you
  • The right to request correction of inaccurate personal information
  • The right to request deletion of your personal information

To exercise any of these rights, contact support@savology.com.

Your Choices

Email Communications

Unsubscribe via any email we send or from within your account settings.

Consumer User Advisor and Coach Matching

Revoke consent by contacting support@savology.com or by deleting your account.

Employer-Channel User Advisor and Coach Matching

Opt in from within your account settings — you are not enrolled by default.

Account Deletion

Request from within your account settings or by emailing support@savology.com. Upon deletion, only records required by applicable law will be retained.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the effective date. If changes are materially significant, we will notify you by email prior to the change becoming effective. Continued use of the Service after changes are posted constitutes acceptance of the updated policy.

Contact Us

Please contact us by email with any questions or comments: support [at] savology [dot] com.